Date Received: 2018-08-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, i have not gotten a response
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company is reporting an inquiry on my credit report that I did not authorize and am not aware how it came to be. Under section 609 of the Fair Credit Reporting Act, which I've quoted below, I am asking that the name and identification of the person that authorized the inquiry into my report and the person the information was supplied to. ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX and XXXX credit reports from both XXXX XXXX and XXXX XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information. I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information. Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed. Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Inacurrate information reported to credit bureaus. My car payment is due on the XXXX of the month. My payments are not 30 days past due.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: DEBT NOT VALID ON REPORTING CREDIT BUREAUS
Company Response:
State: TX
Zip: 76065
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XXXX is violating my right to due process. They are providing misleading and false information attempting to make they loan unfavorable for all parties.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/18, I got information from a relative that they received a call from a process server about me..that the process server was going to be at my house at XXXX to serve me with papers. Relative called number left and was told this had to do with an auto loan debt re : me. She said she would let me know. I looked up info and it was bogus..many people c/o similar antics by same co.plus I do not owe money to this auto company anymore, I have not dealt with them in over 8 years. I disregarded it ... today ( XX/XX/18 ) another family received another similar call from another so called process server, stating they were trying to get a hold of me and that I was going to be served today etc etc..also they were going to get in touch with my job. I work in healthcare, this is very frowned upon at workplace. I have lived at the same address for 15 years and I have not received anything in the mail which is strange if they knew my address, why not send a certified letter? It is illegal for them to be divulging info in my name to a third party, so I understand. Please help me with this problem. Thank you!
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2013 we traded in the vehicle financed by Santander for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with Santander in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. Santander claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-05
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.
Company Response:
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2018-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A